This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond,
3 month T-Bill, and US inflation. For each year of each simulation, a random return and
inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current
savings, the amount that you can save annually before you retire, and the amount that
you plan to withdraw after retirement. Your annual deposits and withdrawals take
inflation into account. For example, if you need $50,000 to live on in retirement using today's
dollars, we will automatically take into account the cost of living for your retirement
years. The same is true for your annual deposits. Next, decide if you'd like to simulate
a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash.
Cash assumes that your money is stored in a savings account. You can then alter the
future returns and inflation. For example, if the market has historically returned about
10%, but you think the future will be worse, modify the stock returns by -3%, and the
future returns will average out to 7%. Investment fees can also lower stock market returns.
Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities,
and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must
also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently
than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past.
In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei
Index is still well below its 1989 peak. Numerous other markets have changed
drastically and never recovered. However, this online tool is helpful in retirement planning and
estimating how much you might need for retirement, especially those hoping to retire early.
We recommend receiving advice from a financial planner.

Want to retire with $9,400,000?

Depending on your rate of return and investment timeframe, you'll need to
save this amount every month.

2%

4%

6%

8%

10%

11.9%

1 years

$776,243

$769,329

$762,583

$755,999

$749,569

$743,599

2 years

$384,279

$377,122

$370,186

$363,461

$356,938

$350,920

3 years

$253,641

$246,453

$239,535

$232,873

$226,456

$220,577

4 years

$188,335

$181,169

$174,320

$167,772

$161,510

$155,815

5 years

$149,162

$142,039

$135,279

$128,865

$122,778

$117,283

6 years

$123,055

$115,985

$109,326

$103,054

$97,150

$91,862

7 years

$104,414

$97,404

$90,850

$84,727

$79,009

$73,931

8 years

$90,440

$83,494

$77,048

$71,075

$65,545

$60,678

9 years

$79,577

$72,696

$66,362

$60,540

$55,199

$50,540

10 years

$70,892

$64,078

$57,856

$52,186

$47,032

$42,579

11 years

$63,790

$57,045

$50,935

$45,418

$40,449

$36,198

12 years

$57,876

$51,201

$45,204

$39,837

$35,052

$31,000

13 years

$52,876

$46,270

$40,386

$35,170

$30,566

$26,708

14 years

$48,594

$42,058

$36,287

$31,220

$26,794

$23,126

15 years

$44,887

$38,421

$32,763

$27,843

$23,592

$20,108

16 years

$41,646

$35,251

$29,704

$24,930

$20,850

$17,545

17 years

$38,789

$32,465

$27,030

$22,400

$18,487

$15,356

18 years

$36,252

$29,999

$24,675

$20,187

$16,438

$13,474

19 years

$33,985

$27,802

$22,588

$18,240

$14,652

$11,849

20 years

$31,948

$25,835

$20,730

$16,520

$13,087

$10,440

21 years

$30,106

$24,065

$19,068

$14,993

$11,712

$9,215

22 years

$28,435

$22,463

$17,574

$13,632

$10,498

$8,144

23 years

$26,911

$21,010

$16,227

$12,415

$9,423

$7,208

24 years

$25,516

$19,685

$15,007

$11,323

$8,470

$6,386

25 years

$24,235

$18,473

$13,899

$10,341

$7,622

$5,663

26 years

$23,054

$17,362

$12,891

$9,455

$6,865

$5,027

27 years

$21,962

$16,339

$11,970

$8,655

$6,190

$4,465

28 years

$20,951

$15,397

$11,128

$7,930

$5,585

$3,969

29 years

$20,010

$14,525

$10,356

$7,272

$5,043

$3,530

30 years

$19,134

$13,717

$9,646

$6,674

$4,557

$3,141

31 years

$18,317

$12,967

$8,993

$6,129

$4,120

$2,797

32 years

$17,551

$12,270

$8,390

$5,633

$3,727

$2,491

33 years

$16,834

$11,620

$7,834

$5,180

$3,373

$2,219

34 years

$16,160

$11,013

$7,320

$4,766

$3,054

$1,978

35 years

$15,527

$10,445

$6,843

$4,387

$2,766

$1,764

36 years

$14,929

$9,914

$6,402

$4,041

$2,506

$1,573

37 years

$14,366

$9,416

$5,992

$3,723

$2,271

$1,403

38 years

$13,833

$8,949

$5,611

$3,431

$2,059

$1,252

39 years

$13,329

$8,509

$5,257

$3,164

$1,867

$1,117

40 years

$12,851

$8,096

$4,927

$2,918

$1,694

$997

41 years

$12,398

$7,707

$4,620

$2,692

$1,536

$890

42 years

$11,968

$7,340

$4,334

$2,485

$1,394

$794

43 years

$11,558

$6,993

$4,067

$2,294

$1,265

$709

44 years

$11,169

$6,666

$3,818

$2,118

$1,149

$633

45 years

$10,797

$6,357

$3,585

$1,956

$1,043

$565

46 years

$10,443

$6,064

$3,367

$1,807

$947

$505

47 years

$10,105

$5,787

$3,163

$1,669

$860

$451

48 years

$9,782

$5,524

$2,972

$1,542

$781

$403

49 years

$9,473

$5,275

$2,794

$1,425

$709

$360

50 years

$9,178

$5,039

$2,627

$1,318

$644

$321

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 30 starting with $9,400,000,
adding $6,464 every year, while hoping to spend $34,094 every
year in retirement. These numbers increase with inflation.

Reality usually performs much different than the expected returns. This uses historical
averages, but anything can happen. In general, riskier investments have greater returns on average,
but more volatility in the short term.